Cheapest Car Insurance Quotes in Whidbey Island Station

Finding the cheapest car insurance quotes in Whidbey Island Station shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
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Whidbey Island Station Car Insurance

^$ 31

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Whidbey Island Station

The car insurance rate in Whidbey Island Station is $798 for a six-month policy, which is $119 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $357, making it a popular choice for budget-conscious drivers. Rates in Whidbey Island Station can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Whidbey Island Station

$798

Avg. Car Insurance in Washington

$917

National Average

$1278

Cheapest Car Insurance Companies in Whidbey Island Station

1st place: Kemper

At $357 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $480 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $496 for six months, making it the third cheapest auto insurance company in Whidbey Island Station.

Whidbey Island Station Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Whidbey Island Station, WA is Kemper, offering policies at just $357 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $480.

At the higher end of the spectrum, Sentry is the most expensive, with rates reaching $2104 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Whidbey Island Station drivers find the best deals.

Cheap Car Insurance Companies in Whidbey Island Station, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$357	$59
Nationwide	$480	$82
Auto-Owners Insurance Co	$496	$83
Chubb	$563	$96
Capital Insurance Group	$573	$96
USAA	$672	$113
Mutual of Enumclaw	$708	$118
American Family	$724	$122
State Farm	$724	$122
Progressive	$739	$124
PEMCO	$796	$134
Travelers	$801	$135
Farmers	$879	$148
Allstate	$992	$167
Granwest P&C	$1168	$195
Sentry	$2104	$358

Key Takeaways

Way's key takeaways about car insurance in Whidbey Island Station

The auto insurance costs in Whidbey Island Station fall around $357 for six months.
The cheapest auto insurance company in Whidbey Island Station is California Casualty.
Teen drivers pay the highest rate in Whidbey Island Station at $592 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Whidbey Island Station

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Whidbey Island Station are given below.

California Casualty provides the cheapest minimum car insurance coverage in Whidbey Island Station. Their Average 6 Month Premium is $186. Grange is the most expensive at $186 for the same period.

Cheapest Liability Coverage in Whidbey Island Station, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
California Casualty	$186	$31
USAA	$186	$31
Granwest P&C	$191	$32
Auto-Owners Insurance Co	$202	$34
Chubb	$238	$40
Nationwide	$248	$42
PEMCO	$248	$42
Capital Insurance Group	$264	$45
Progressive	$269	$45
American Family	$274	$47
Mutual of Enumclaw	$295	$50
State Farm	$295	$50
Travelers	$300	$50
Farmers	$351	$59
Allstate	$584	$98
Sentry	$605	$103
Encompass	$181	$30
Grange	$186	$31

Cheapest Full Coverage Car Insurance in Whidbey Island Station

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Whidbey Island Station is Kemper at $59 per month and $357 for six months.

Cheapest Full Coverage Car Insurance Quotes in Whidbey Island Station, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$357	$59
Nationwide	$480	$82
Auto-Owners Insurance Co	$496	$83
Chubb	$563	$96
Capital Insurance Group	$573	$96
USAA	$672	$113
Mutual of Enumclaw	$708	$118
American Family	$724	$122
State Farm	$724	$122
Progressive	$739	$124
PEMCO	$796	$134
Travelers	$801	$135
Farmers	$879	$148
Allstate	$992	$167
Granwest P&C	$1168	$195
Sentry	$2104	$358

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Average Car Insurance in Whidbey Island Station by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Whidbey Island Station, WA increasing?

Despite maintaining a clean driving record, your car insurance rates in Whidbey Island Station, Washington, may be increasing due to several external factors. Washington has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Whidbey Island Station's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Whidbey Island Station

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	PEMCO	$589
30s	PEMCO	$412
40s	PEMCO	$417
50s	PEMCO	$396
60s	PEMCO	$417
70s	PEMCO	$518

Cheapest Car Insurance Rates for Teen Drivers in Whidbey Island Station,WA

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Whidbey Island Station at $49 per month. At $3556 for a six-month premium, Sentry offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$284	$49
Auto-Owners Insurance Co	$295	$49
Chubb	$331	$57
Travelers	$972	$164
State Farm	$1028	$173
USAA	$1194	$201
Pemco	$1468	$247
Farmers	$1772	$298
Mutual of Enumclaw	$1793	$305
Progressive	$1958	$330
Allstate	$2036	$343
Sentry	$3556	$592

Teen Car Insurance Rates in WA by Age

Way Tip

If you are in your twenties PEMCO is the best choice for car insurance in Whidbey Island Station.

As young drivers face the highest rates in Whidbey Island Station, PEMCO offers the cheapest auto insurance rates at $589 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Whidbey Island Station, AutoOwners Insurance Co is the cheapest car insurance provider. At $202 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Whidbey Island Station is Sentry, offering rates of around $2104 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$202	$34
Chubb	$238	$40
American Family	$274	$47
Nationwide	$284	$47
Kemper	$310	$53
Farmers	$806	$136
Travelers	$858	$144
State Farm	$1018	$171
Progressive	$1023	$172
USAA	$1049	$175
Pemco	$1199	$202
Mutual of Enumclaw	$1230	$205
Allstate	$1923	$327
Sentry	$2104	$351

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Whidbey Island Station.

Car Insurance Rates with An Accident in Whidbey Island Station

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Whidbey Island Station, WA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Whidbey Island Station

The cheapest car insurance companies after an at-fault accident in Whidbey Island Station include AutoOwners Insurance Co and Encompass, offering $258 and $295, respectively. Sentry is an expensive provider with an average six-month premium of $3654.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$258	$44
Encompass	$295	$50
Chubb	$305	$51
American Family	$331	$57
Kemper	$429	$71
USAA	$460	$77
Travelers	$672	$113
State Farm	$687	$116
PEMCO	$749	$126
Capital Insurance Group	$765	$130
Mutual of Enumclaw	$956	$159
Progressive	$1018	$171
Farmers	$1085	$183
Allstate	$1772	$298
Sentry	$3654	$609

Whidbey Island Station Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Whidbey Island Station WA. For example, the car insurance in Whidbey Island Station after a DUI increases to $708 for a six month policy. While the rate increases by $202 for a six-month policy in the case of a speeding ticket.

Whidbey Island Station auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$930	$155
One Med/PIP claim	$930	$158
Not-at-fault accident	$961	$160
Two Med/PIP claims	$961	$164
One comp claim	$967	$161
Two comp claims	$1007	$171
Failure to show documents	$1111	$185
Child safety restraint	$1121	$191
Driving without lights	$1132	$189
Failure to wear a seat belt	$1132	$192
Speeding 11 - 15 MPH over limit	$1132	$189
Speeding 16 - 20 MPH over limit	$1132	$192
Speeding 6 - 10 MPH over limit	$1132	$189
Driving too slowly	$1142	$194
Driving with expired registration	$1142	$191
Cell phone violation	$1148	$195
Failure to yield	$1148	$191
Improper passing	$1148	$195
Texting while driving	$1148	$191
Wrong way/wrong lane	$1148	$195
Failure to stop at a red light	$1153	$192
Following too closely	$1153	$196
Illegal turn	$1153	$192
Speeding in school zone	$1204	$204
Passing school bus	$1209	$202
At-fault accident - less than $1000	$1225	$208
Speeding 21 - 25 MPH over limit	$1225	$204
Open container	$1230	$209
In 65 MPH zone	$1276	$213
At-fault accident - $1000-$2000	$1323	$225
At-fault accident - greater than $2000	$1328	$221
Operating a vehicle without permission	$1338	$228
Refusal to submit to a chemical test	$1602	$267
Reckless driving	$1607	$273
Driving with a suspended license	$1623	$271
DUI	$1638	$278
Racing	$1695	$283
Leaving scene of an accident/hit and run	$1705	$290

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Whidbey Island Station after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Whidbey Island Station.

The cheapest car insurance premiums in Whidbey Island Station are offered by Chubb at $295 for a six-month policy. However, it can be as expensive as $2770 with companies like Sentry.

Whidbey Island Station car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$295	$50
American Family	$325	$54
Auto-Owners Insurance Co	$372	$64
Travelers	$708	$119
Progressive	$713	$120
USAA	$786	$132
Pemco	$868	$146
State Farm	$946	$159
Farmers	$1106	$186
Mutual of Enumclaw	$1235	$206
Grange	$1582	$269
Allstate	$1617	$272
Cal Casualty	$1767	$300
Sentry	$2770	$462

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Whidbey Island Station are offered by Chubb at $258. However, it can be as expensive as $3385 with companies like Sentry for a similar six-month premium.

Cheapest Car Insurance in Whidbey Island Station after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$258	$44
Auto-Owners Insurance Co	$269	$44
American Family	$325	$56
State Farm	$605	$102
Travelers	$739	$124
USAA	$812	$135
Mutual of Enumclaw	$863	$147
Pemco	$900	$151
Progressive	$920	$155
Farmers	$1013	$171
Allstate	$1556	$264
Sentry	$3385	$564

Car Insurance Price Trends in Whidbey Island Station, Washington

Car insurance rates in Whidbey Island Station have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Whidbey Island Station rose by $170 in January compared to $131 of December. In other words, there has been an increase by $39 when you compare January and December.

The average cost of liability insurance in the Whidbey Island Station rose to $49 in January, compared to $44 in December. This represents an increase of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Whidbey Island Station?

The car insurance in Whidbey Island Station is $31 per month, which is lower than the national average.

What is the cheapest car insurance in Whidbey Island Station?

The cheapest car insurance in Whidbey Island Station is $59 per month for full coverage.

How much is car insurance in Whidbey Island Station for teenagers?

Car insurance for teenagers costs $284 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Whidbey Island Station?

The average cost of car insurance is $917 for a six-month policy. It will cost around $134 per month to insure your car in Whidbey Island Station.

Is car insurance expensive in Whidbey Island Station?

Car insurance can be expensive in Whidbey Island Station if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Whidbey Island Station can be affordable.

Cheapest Car Insurance Quotes in Whidbey Island Station

Why you can trust Way?

How Much Is Car Insurance in Whidbey Island Station

Avg. Car Insurance in Whidbey Island Station

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Whidbey Island Station

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Whidbey Island Station Car Insurance Rates by Company

Cheap Car Insurance Companies in Whidbey Island Station, WA

Way's key takeaways about car insurance in Whidbey Island Station

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Whidbey Island Station

Cheapest Liability Coverage in Whidbey Island Station, WA

Cheapest Full Coverage Car Insurance in Whidbey Island Station

Cheapest Full Coverage Car Insurance Quotes in Whidbey Island Station, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Whidbey Island Station by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Whidbey Island Station, WA increasing?

Car Insurance Premiums by Age in Whidbey Island Station

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Whidbey Island Station,WA

If you are in your twenties PEMCO is the best choice for car insurance in Whidbey Island Station.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Whidbey Island Station

Cheapest Car Insurance Companies after an At-Fault Accident in Whidbey Island Station

Whidbey Island Station Car Insurance Rates by Violation

Whidbey Island Station auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Whidbey Island Station after a DUI

Whidbey Island Station car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Whidbey Island Station after Speeding ticket

Car Insurance Price Trends in Whidbey Island Station, Washington

Average Car Insurance Cost in Whidbey Island Station by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Whidbey Island Station, WA

Car Insurance Rates by State in the USA (2025 Update)

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